Motor Insurance
Protect your vehicle, your finances, and your peace of mind on every journey
From accidents to theft and unexpected repairs, the right motor insurance ensures you’re financially protected — without confusion.
Who It's For
This plan is ideal for:
- Car and bike owners looking for financial protection against damage or theft
- Individuals who want to avoid large out-of-pocket repair costs
- Vehicle owners renewing or upgrading their existing policy
- Anyone seeking a smooth and hassle-free claim experience
Key Components
Understanding the different facets of Motor Insurance
Third-Party Insurance
Covers damage caused to third parties (mandatory by law).
👉 Best suited for basic legal compliance
Comprehensive Insurance
Covers both third-party liability and own vehicle damage.
👉 Ideal for complete protection
Standalone Own Damage Cover
Covers damage to your own vehicle (for vehicles already insured with third-party cover).
👉 Suitable for enhancing existing coverage
What's Covered
What's Not Covered
Normal wear and tear
Driving without a valid licence
Driving under the influence of alcohol/drugs
Mechanical or electrical breakdown
Additional Covers & Add-ons
Customise your policy based on your needs.
Common Mistakes to Avoid
Choosing lowest premium without checking coverage
Ignoring IDV (Insured Declared Value)
Skipping important add-ons
Not checking network garages
Delaying claim intimation
Still unsure which motor insurance is right for you?
Get clear, unbiased advice tailored to your vehicle and usage — with complete support from purchase to claim.
Motor Insurance - Common Questions
Third-party insurance only covers damages to others, while comprehensive insurance covers both damages to others and damages to your own vehicle.
IDV (Insured Declared Value) is the maximum amount the insurer will pay if your vehicle is stolen or totally damaged. It should be close to the market value.
Yes, especially for new cars. It ensures you don't have to pay for the depreciation of parts during a claim, saving you significant money.
NCB is a discount on the premium for every year you don't make a claim. It can go up to 50% and is transferable to a new vehicle.
Yes, the insurance can be transferred to the new owner, but the No Claim Bonus (NCB) stays with you and can be used for your next vehicle.
You should inform your insurer immediately, ideally within 24-48 hours, to ensure a smooth and valid claim process.